The argument
Carrier: "Damage resulted from improperly executed repair, not the claimed event."
Common scenarios
- Roof repair allegedly caused subsequent leak
- Plumbing repair allegedly caused subsequent water damage
- Electrical work allegedly caused fire
- Structural modification causing failure
How to counter
Permit and inspection records
- Licensed contractor pulled permit
- Inspection passed
- Code-compliant work documented
Contractor qualification
- Licensed in Florida
- Insured
- References
Independent assessment
- Forensic engineer reviewing prior work
- Comparison to industry standards
- Causation analysis distinguishing prior repair from current loss
Temporal separation
- Prior repair completed date
- Current event date
- Intervening period without issue
Policy language
- "Resulting damage" coverage
- Covered peril can still apply even with prior repair history
- Exclusions must be strictly construed